# FLAGSTAR FINANCIAL, INC.

Summary updated: 2026-10-02T16:45:51.497248Z
Canonical: https://finbar.com/research/companies/flagstar-financial-inc

## Overview

Flagstar Financial, Inc. is a U.S. regional banking company providing commercial and consumer banking, private banking, and mortgage services. Its commercial businesses include corporate and regional banking, equipment finance, asset-based lending, mortgage finance, and public finance; its mortgage division serves customers nationally. [1](https://app.finbar.com/go?id=P165519992)[2](https://ir.flagstar.com/about-us/company-profile/default.aspx)

As of June 30, 2026, the company reported $87.7 billion in assets and approximately 320 retail locations and 20 Private Banking Offices across nine states, alongside its national mortgage operations. Its stated mission is “To excel in all we do for all we serve,” encompassing customers, communities, employees, and shareholders. [2](https://ir.flagstar.com/about-us/company-profile/default.aspx)
[1](https://app.finbar.com/go?id=P165519992)[2](https://ir.flagstar.com/about-us/company-profile/default.aspx)

## Products & services

Flagstar offers personal deposit products including checking, savings, money-market accounts, and certificates of deposit. Checking services include a Visa debit card, mobile and online banking, ATM access, account alerts, card controls, transfers, and payments; the bank also offers Visa credit cards with rewards and introductory-rate options. [3](https://www.flagstar.com/personal/bank/checking.html)[4](https://www.flagstar.com/personal/bank/savings.html)[5](https://www.flagstar.com/personal/bank/ways-to-bank/online-banking.html)[6](https://www.flagstar.com/personal/bank/credit-cards.html) Its home-lending products include jumbo and government-backed mortgages, professional loans, and home equity lines of credit. [7](https://www.flagstar.com/personal/borrow/home-loans.html)[8](https://www.flagstar.com/personal/borrow/home-loans/professional-loans.html)

Business and commercial offerings include treasury and receivables management, commercial real-estate financing, and asset-based lending. Corporate Connect provides online access to business finances and supports bill and recurring payments; commercial real-estate financing can support property purchases, refinancing, and renovation. [9](https://www.flagstar.com/corporate-and-commercial/our-capabilities/our-capabilities/treasury-management.html)[10](https://www.flagstar.com/corporate-and-commercial/our-capabilities/our-capabilities/treasury-management/corporate-connect.html)[11](https://www.flagstar.com/corporate-and-commercial/markets-and-sectors/markets-and-sectors/real-estate-finance.html)[12](https://www.flagstar.com/corporate-and-commercial/our-capabilities/our-capabilities/asset-based-lending.html) Flagstar also provides private-banking services and wealth offerings that include financial planning, investment management, insurance strategies, retirement-plan services, and business benefits. [13](https://www.flagstar.com/private-bank.html)[14](https://www.flagstar.com/personal/invest/our-services.html)[15](https://www.flagstar.com/private-bank/client-solutions/wealth-management.html)
[3](https://www.flagstar.com/personal/bank/checking.html)[4](https://www.flagstar.com/personal/bank/savings.html)[5](https://www.flagstar.com/personal/bank/ways-to-bank/online-banking.html)[6](https://www.flagstar.com/personal/bank/credit-cards.html)[7](https://www.flagstar.com/personal/borrow/home-loans.html)[8](https://www.flagstar.com/personal/borrow/home-loans/professional-loans.html)[9](https://www.flagstar.com/corporate-and-commercial/our-capabilities/our-capabilities/treasury-management.html)[10](https://www.flagstar.com/corporate-and-commercial/our-capabilities/our-capabilities/treasury-management/corporate-connect.html)[11](https://www.flagstar.com/corporate-and-commercial/markets-and-sectors/markets-and-sectors/real-estate-finance.html)[12](https://www.flagstar.com/corporate-and-commercial/our-capabilities/our-capabilities/asset-based-lending.html)[13](https://www.flagstar.com/private-bank.html)[14](https://www.flagstar.com/personal/invest/our-services.html)[15](https://www.flagstar.com/private-bank/client-solutions/wealth-management.html)

## Geographic presence

As of June 30, 2026, Flagstar Financial reported approximately 320 retail locations and 20 Private Banking Offices across nine states: Arizona, California, Florida, Indiana, Michigan, New Jersey, New York, Ohio, and Wisconsin. [2](https://ir.flagstar.com/about-us/company-profile/default.aspx)[16](https://www.flagstar.com/branch-list.html)

Its multifamily lending is geographically concentrated in New York: at year-end 2025, $15.8 billion, or 55% of the multifamily loan portfolio, was secured by properties in New York State. [17](https://app.finbar.com/go?id=P15382165) The company’s 2025 geographic loan disclosures also identify concentrations in New Jersey, Pennsylvania, Florida, and Ohio; these figures describe multifamily loan collateral locations, not revenue by region. [18](https://app.finbar.com/go?id=T7569244)
[17](https://app.finbar.com/go?id=P15382165)[18](https://app.finbar.com/go?id=T7569244)[2](https://ir.flagstar.com/about-us/company-profile/default.aspx)[16](https://www.flagstar.com/branch-list.html)[2](https://ir.flagstar.com/about-us/company-profile/default.aspx)[16](https://www.flagstar.com/branch-list.html)

## Business segments

Flagstar Financial reports one operating and reportable segment, with no separately named business segments. Management reviews performance and makes operating decisions on a consolidated basis rather than by geography or product line. The segment therefore represents 100% of the company’s reported operations; the filings do not provide separate revenue contributions for individual businesses. [19](https://app.finbar.com/go?id=P150184062)[20](https://app.finbar.com/go?id=P150184063)[21](https://app.finbar.com/go?id=P86975772)

For the six months ended June 30, 2026, the single segment generated $883 million of net interest income and $131 million of noninterest income. As a proxy for its revenue mix, these equate to approximately 87% and 13%, respectively, of their combined $1.014 billion. For full-year 2025, the corresponding figures were $1.721 billion and $341 million, or approximately 83% and 17% of their combined $2.062 billion. These are consolidated revenue-source proportions, not allocations among separate segments. [22](https://app.finbar.com/go?id=T17189127)[23](https://app.finbar.com/go?id=T1987122)
[19](https://app.finbar.com/go?id=P150184062)[20](https://app.finbar.com/go?id=P150184063)[21](https://app.finbar.com/go?id=P86975772)[22](https://app.finbar.com/go?id=T17189127)[23](https://app.finbar.com/go?id=T1987122)

## Company history

Flagstar Financial, Inc.’s history combines the lineage of New York Community Bancorp (NYCB) with that of Flagstar Bank. Queens County Savings Bank, a predecessor in NYCB’s banking lineage, opened in 1859; NYCB became a public company in 1993. NYCB expanded through acquisitions including Haven Bancorp in 2000 and Roslyn Bancorp in 2003. Separately, Flagstar Bank’s Michigan roots trace to First Security Savings Bank, and it adopted the Flagstar name in 1996. [2](https://ir.flagstar.com/about-us/company-profile/default.aspx)[24](https://ir.flagstar.com/about-us/transaction-history/default.aspx)[25](https://app.finbar.com/go?id=P80144359)

On December 1, 2022, NYCB completed its acquisition of Flagstar Bancorp, bringing Flagstar Bank and its mortgage business into the group; Flagstar Bank, N.A. became the surviving bank in the related merger. In 2023, the bank acquired certain assets and assumed certain liabilities of Signature Bridge Bank, including branches. NYCB adopted the Flagstar Financial, Inc. name in October 2024, following the introduction of Flagstar as the unified bank brand earlier that year. In October 2025, Flagstar Financial merged into Flagstar Bank, N.A. as part of a holding-company reorganization, with the bank continuing as the publicly traded company. [25](https://app.finbar.com/go?id=P80144359)[26](https://app.finbar.com/go?id=P107283952)[27](https://app.finbar.com/go?id=P163902815)[28](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2022/NEW-YORK-COMMUNITY-BANCORP-INC.-COMPLETES-ACQUISITION-OF-FLAGSTAR-BANCORP-INC/default.aspx)[29](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2024/New-York-Community-Bank-and-Flagstar-Bank-Complete-the-Operational-Conversion-of-Systems-and-Retail-Branch-Network-Unveils-New-National-Branding-Across-all-Branches/)[30](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2024/NEW-YORK-COMMUNITY-BANCORP-INC.-CHANGES-NAME-TO-FLAGSTAR-FINANCIAL-INC.-AND-STOCK-SYMBOL-TO-FLG/default.aspx)[31](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2025/FLAGSTAR-BANK-N-A--ANNOUNCES-COMPLETION-OF-HOLDING-COMPANY-REORGANIZATION-91e051590/default.aspx)
[25](https://app.finbar.com/go?id=P80144359)[26](https://app.finbar.com/go?id=P107283952)[27](https://app.finbar.com/go?id=P163902815)[2](https://ir.flagstar.com/about-us/company-profile/default.aspx)[24](https://ir.flagstar.com/about-us/transaction-history/default.aspx)[28](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2022/NEW-YORK-COMMUNITY-BANCORP-INC.-COMPLETES-ACQUISITION-OF-FLAGSTAR-BANCORP-INC/default.aspx)[29](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2024/New-York-Community-Bank-and-Flagstar-Bank-Complete-the-Operational-Conversion-of-Systems-and-Retail-Branch-Network-Unveils-New-National-Branding-Across-all-Branches/)[30](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2024/NEW-YORK-COMMUNITY-BANCORP-INC.-CHANGES-NAME-TO-FLAGSTAR-FINANCIAL-INC.-AND-STOCK-SYMBOL-TO-FLG/default.aspx)[31](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2025/FLAGSTAR-BANK-N-A--ANNOUNCES-COMPLETION-OF-HOLDING-COMPANY-REORGANIZATION-91e051590/default.aspx)[2](https://ir.flagstar.com/about-us/company-profile/default.aspx)[24](https://ir.flagstar.com/about-us/transaction-history/default.aspx)[28](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2022/NEW-YORK-COMMUNITY-BANCORP-INC.-COMPLETES-ACQUISITION-OF-FLAGSTAR-BANCORP-INC/default.aspx)[29](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2024/New-York-Community-Bank-and-Flagstar-Bank-Complete-the-Operational-Conversion-of-Systems-and-Retail-Branch-Network-Unveils-New-National-Branding-Across-all-Branches/)[30](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2024/NEW-YORK-COMMUNITY-BANCORP-INC.-CHANGES-NAME-TO-FLAGSTAR-FINANCIAL-INC.-AND-STOCK-SYMBOL-TO-FLG/default.aspx)[31](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2025/FLAGSTAR-BANK-N-A--ANNOUNCES-COMPLETION-OF-HOLDING-COMPANY-REORGANIZATION-91e051590/default.aspx)

## Sources

1. [FLAGSTAR FINANCIAL, INC. — Presentation (2026 Q 2), p5](https://app.finbar.com/go?id=P165519992)
2. [ir.flagstar.com](https://ir.flagstar.com/about-us/company-profile/default.aspx)
3. [www.flagstar.com](https://www.flagstar.com/personal/bank/checking.html)
4. [www.flagstar.com](https://www.flagstar.com/personal/bank/savings.html)
5. [www.flagstar.com](https://www.flagstar.com/personal/bank/ways-to-bank/online-banking.html)
6. [www.flagstar.com](https://www.flagstar.com/personal/bank/credit-cards.html)
7. [www.flagstar.com](https://www.flagstar.com/personal/borrow/home-loans.html)
8. [www.flagstar.com](https://www.flagstar.com/personal/borrow/home-loans/professional-loans.html)
9. [www.flagstar.com](https://www.flagstar.com/corporate-and-commercial/our-capabilities/our-capabilities/treasury-management.html)
10. [www.flagstar.com](https://www.flagstar.com/corporate-and-commercial/our-capabilities/our-capabilities/treasury-management/corporate-connect.html)
11. [www.flagstar.com](https://www.flagstar.com/corporate-and-commercial/markets-and-sectors/markets-and-sectors/real-estate-finance.html)
12. [www.flagstar.com](https://www.flagstar.com/corporate-and-commercial/our-capabilities/our-capabilities/asset-based-lending.html)
13. [www.flagstar.com](https://www.flagstar.com/private-bank.html)
14. [www.flagstar.com](https://www.flagstar.com/personal/invest/our-services.html)
15. [www.flagstar.com](https://www.flagstar.com/private-bank/client-solutions/wealth-management.html)
16. [www.flagstar.com](https://www.flagstar.com/branch-list.html)
17. [FLAGSTAR FINANCIAL, INC. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P15382165)
18. [FLAGSTAR FINANCIAL, INC. — Full financial report (2025 Y)](https://app.finbar.com/go?id=T7569244)
19. [FLAGSTAR FINANCIAL, INC. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150184062)
20. [FLAGSTAR FINANCIAL, INC. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150184063)
21. [FLAGSTAR FINANCIAL, INC. — Full financial report (2025 Y)](https://app.finbar.com/go?id=P86975772)
22. [FLAGSTAR FINANCIAL, INC. — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=T17189127)
23. [FLAGSTAR FINANCIAL, INC. — Full financial report (2025 Y)](https://app.finbar.com/go?id=T1987122)
24. [ir.flagstar.com](https://ir.flagstar.com/about-us/transaction-history/default.aspx)
25. [FLAGSTAR FINANCIAL, INC. — Full financial report (2024 Y)](https://app.finbar.com/go?id=P80144359)
26. [FLAGSTAR FINANCIAL, INC. — Full financial report (2024 Y)](https://app.finbar.com/go?id=P107283952)
27. [FLAGSTAR FINANCIAL, INC. — Ipo (2025 O)](https://app.finbar.com/go?id=P163902815)
28. [ir.flagstar.com](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2022/NEW-YORK-COMMUNITY-BANCORP-INC.-COMPLETES-ACQUISITION-OF-FLAGSTAR-BANCORP-INC/default.aspx)
29. [ir.flagstar.com](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2024/New-York-Community-Bank-and-Flagstar-Bank-Complete-the-Operational-Conversion-of-Systems-and-Retail-Branch-Network-Unveils-New-National-Branding-Across-all-Branches/)
30. [ir.flagstar.com](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2024/NEW-YORK-COMMUNITY-BANCORP-INC.-CHANGES-NAME-TO-FLAGSTAR-FINANCIAL-INC.-AND-STOCK-SYMBOL-TO-FLG/default.aspx)
31. [ir.flagstar.com](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2025/FLAGSTAR-BANK-N-A--ANNOUNCES-COMPLETION-OF-HOLDING-COMPANY-REORGANIZATION-91e051590/default.aspx)

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